Is the United Club Infinite Card worth the higher annual fee?

The United Club Infinite Card costs $695/yr vs $650/yr for the Delta SkyMiles Reserve American Express Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

What benefits does the Delta SkyMiles Reserve American Express Card have that the United Club Infinite Card doesn't?

The Delta SkyMiles Reserve American Express Card offers lounge access, travel credits. The United Club Infinite Card offers lounge access, travel credits.

Should I get the Delta SkyMiles Reserve American Express Card or the United Club Infinite Card?

Choose the Delta SkyMiles Reserve American Express Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Is the United Club Infinite Card worth the higher annual fee?

The United Club Infinite Card costs $695/yr vs $650/yr for the Delta SkyMiles Reserve American Express Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

What benefits does the Delta SkyMiles Reserve American Express Card have that the United Club Infinite Card doesn't?

The Delta SkyMiles Reserve American Express Card offers lounge access, travel credits. The United Club Infinite Card offers lounge access, travel credits.

Should I get the Delta SkyMiles Reserve American Express Card or the United Club Infinite Card?

Choose the Delta SkyMiles Reserve American Express Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Is the United Club Infinite Card worth the higher annual fee?

The United Club Infinite Card costs $695/yr vs $650/yr for the Delta SkyMiles Reserve American Express Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.

What benefits does the Delta SkyMiles Reserve American Express Card have that the United Club Infinite Card doesn't?

The Delta SkyMiles Reserve American Express Card offers lounge access, travel credits. The United Club Infinite Card offers lounge access, travel credits.

Should I get the Delta SkyMiles Reserve American Express Card or the United Club Infinite Card?

Choose the Delta SkyMiles Reserve American Express Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Delta SkyMiles Reserve American Express Card vs United Club Infinite Card

The Delta SkyMiles Reserve American Express Card ($650/yr) is better for everyday value, while the United Club Infinite Card ($695/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Delta SkyMiles Reserve American Express Card

American Express

United Club Infinite Card

Chase

Fees & Welcome Offer

Annual Fee

$650

$695

Welcome Bonus

125,000 Airline

90,000 Airline

Earn Rates

Category	Delta SkyMiles Reserve American Express Card	United Club Infinite Card
United Airlines	1X

Category-by-Category Winner

The United Club Infinite Card wins in 8 of 10 categories. The Delta SkyMiles Reserve American Express Card leads in 2.

Delta Purchases

Delta SkyMiles Reserve American Express Card earns 3X vs 1X

Delta Airlines

Delta SkyMiles Reserve American Express Card earns 3X vs 1X

United Purchases

United Club Infinite Card earns 4X vs 1X

United Airlines

United Club Infinite Card earns 4X vs 1X

Travel

United Club Infinite Card earns 2X vs 1X

Dining

United Club Infinite Card earns 2X vs 1X

Hotels

United Club Infinite Card earns 2X vs 1X

Ridesharing

United Club Infinite Card earns 2X vs 1X

Transit

United Club Infinite Card earns 2X vs 1X

The Bottom Line

The Delta SkyMiles Reserve American Express Card has a lower annual fee ($650 vs $695), making it the more accessible option.

The United Club Infinite Card justifies its higher fee with premium perks like lounge access and travel credits.

Choose the Delta SkyMiles Reserve American Express Card if you want solid rewards with a lower cost of entry. Choose the United Club Infinite Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the United Club Infinite Card worth the higher annual fee?: The United Club Infinite Card costs $695/yr vs $650/yr for the Delta SkyMiles Reserve American Express Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Delta SkyMiles Reserve American Express Card or United Club Infinite Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Delta SkyMiles Reserve American Express Card have that the United Club Infinite Card doesn't?: The Delta SkyMiles Reserve American Express Card offers lounge access, travel credits. The United Club Infinite Card offers lounge access, travel credits.
Should I get the Delta SkyMiles Reserve American Express Card or the United Club Infinite Card?: Choose the Delta SkyMiles Reserve American Express Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Delta Skymiles Gold vs Delta Skymiles Reserve Delta Skymiles Platinum vs Delta Skymiles Reserve Southwest Rapid Rewards Priority vs United Club Infinite United Club Infinite vs United Explorer

Explore More

Delta SkyMiles Reserve American Express Card — Full Review All American Express Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Delta SkyMiles Reserve American Express Card vs United Club Infinite Card

Delta SkyMiles Reserve American Express Card

American Express

United Club Infinite Card

Chase

Fees & Welcome Offer

Annual Fee

$650

$695

Welcome Bonus

125,000 Airline

90,000 Airline

Earn Rates

Category	Delta SkyMiles Reserve American Express Card	United Club Infinite Card
United Airlines	1X

Category-by-Category Winner

The United Club Infinite Card wins in 8 of 10 categories. The Delta SkyMiles Reserve American Express Card leads in 2.

Delta Purchases

Delta SkyMiles Reserve American Express Card earns 3X vs 1X

Delta Airlines

Delta SkyMiles Reserve American Express Card earns 3X vs 1X

United Purchases

United Club Infinite Card earns 4X vs 1X

United Airlines

United Club Infinite Card earns 4X vs 1X

Travel

United Club Infinite Card earns 2X vs 1X

Dining

United Club Infinite Card earns 2X vs 1X

Hotels

United Club Infinite Card earns 2X vs 1X

Ridesharing

United Club Infinite Card earns 2X vs 1X

Transit

United Club Infinite Card earns 2X vs 1X

The Bottom Line

The Delta SkyMiles Reserve American Express Card has a lower annual fee ($650 vs $695), making it the more accessible option.

The United Club Infinite Card justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the United Club Infinite Card worth the higher annual fee?: The United Club Infinite Card costs $695/yr vs $650/yr for the Delta SkyMiles Reserve American Express Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Delta SkyMiles Reserve American Express Card or United Club Infinite Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Delta SkyMiles Reserve American Express Card have that the United Club Infinite Card doesn't?: The Delta SkyMiles Reserve American Express Card offers lounge access, travel credits. The United Club Infinite Card offers lounge access, travel credits.
Should I get the Delta SkyMiles Reserve American Express Card or the United Club Infinite Card?: Choose the Delta SkyMiles Reserve American Express Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Delta Skymiles Gold vs Delta Skymiles Reserve Delta Skymiles Platinum vs Delta Skymiles Reserve Southwest Rapid Rewards Priority vs United Club Infinite United Club Infinite vs United Explorer

Explore More

Delta SkyMiles Reserve American Express Card — Full Review All American Express Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Delta SkyMiles Reserve American Express Card vs United Club Infinite Card

Delta SkyMiles Reserve American Express Card

American Express

United Club Infinite Card

Chase

Fees & Welcome Offer

Annual Fee

$650

$695

Welcome Bonus

125,000 Airline

90,000 Airline

Earn Rates

Category	Delta SkyMiles Reserve American Express Card	United Club Infinite Card
United Airlines	1X

Category-by-Category Winner

The United Club Infinite Card wins in 8 of 10 categories. The Delta SkyMiles Reserve American Express Card leads in 2.

Delta Purchases

Delta SkyMiles Reserve American Express Card earns 3X vs 1X

Delta Airlines

Delta SkyMiles Reserve American Express Card earns 3X vs 1X

United Purchases

United Club Infinite Card earns 4X vs 1X

United Airlines

United Club Infinite Card earns 4X vs 1X

Travel

United Club Infinite Card earns 2X vs 1X

Dining

United Club Infinite Card earns 2X vs 1X

Hotels

United Club Infinite Card earns 2X vs 1X

Ridesharing

United Club Infinite Card earns 2X vs 1X

Transit

United Club Infinite Card earns 2X vs 1X

The Bottom Line

The Delta SkyMiles Reserve American Express Card has a lower annual fee ($650 vs $695), making it the more accessible option.

The United Club Infinite Card justifies its higher fee with premium perks like lounge access and travel credits.

Frequently Asked Questions

Is the United Club Infinite Card worth the higher annual fee?: The United Club Infinite Card costs $695/yr vs $650/yr for the Delta SkyMiles Reserve American Express Card. The higher fee includes lounge access and travel credits that can offset the cost for frequent travelers.
Which card earns more rewards, the Delta SkyMiles Reserve American Express Card or United Club Infinite Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Delta SkyMiles Reserve American Express Card have that the United Club Infinite Card doesn't?: The Delta SkyMiles Reserve American Express Card offers lounge access, travel credits. The United Club Infinite Card offers lounge access, travel credits.
Should I get the Delta SkyMiles Reserve American Express Card or the United Club Infinite Card?: Choose the Delta SkyMiles Reserve American Express Card if you want lower fees and solid rewards. Pick the United Club Infinite Card if you spend enough to justify the $695/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Delta Skymiles Gold vs Delta Skymiles Reserve Delta Skymiles Platinum vs Delta Skymiles Reserve Southwest Rapid Rewards Priority vs United Club Infinite United Club Infinite vs United Explorer

Explore More

Delta SkyMiles Reserve American Express Card — Full Review All American Express Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Chase cards

Pros & Cons

Pros

+Unlimited Delta Sky Club access when flying Delta same-day (estimated $600+ annual value)
+Annual First Class or Comfort+ companion certificate with no spend requirement
+Earn Medallion Status through spend: Silver at $25K, Gold at $50K, Platinum at $75K
+Free first checked bag for cardholder plus up to 8 companions on same reservation
+Boosted upgrade priority to First Class and Delta One

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$650 annual fee is highest among Delta personal cards
−$175 authorized user fee adds significant cost for family travelers
−Sky Club access requires same-day Delta flight; no standalone entry
−Guest access limited to 2 guests at $50 each without additional Amex cards
−Miles locked to Delta SkyMiles with limited transfer flexibility

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

Pros & Cons

Pros

+Unlimited Delta Sky Club access when flying Delta same-day (estimated $600+ annual value)
+Annual First Class or Comfort+ companion certificate with no spend requirement
+Earn Medallion Status through spend: Silver at $25K, Gold at $50K, Platinum at $75K
+Free first checked bag for cardholder plus up to 8 companions on same reservation
+Boosted upgrade priority to First Class and Delta One

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$650 annual fee is highest among Delta personal cards
−$175 authorized user fee adds significant cost for family travelers
−Sky Club access requires same-day Delta flight; no standalone entry
−Guest access limited to 2 guests at $50 each without additional Amex cards
−Miles locked to Delta SkyMiles with limited transfer flexibility

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

Pros & Cons

Pros

+Unlimited Delta Sky Club access when flying Delta same-day (estimated $600+ annual value)
+Annual First Class or Comfort+ companion certificate with no spend requirement
+Earn Medallion Status through spend: Silver at $25K, Gold at $50K, Platinum at $75K
+Free first checked bag for cardholder plus up to 8 companions on same reservation
+Boosted upgrade priority to First Class and Delta One

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$650 annual fee is highest among Delta personal cards
−$175 authorized user fee adds significant cost for family travelers
−Sky Club access requires same-day Delta flight; no standalone entry
−Guest access limited to 2 guests at $50 each without additional Amex cards
−Miles locked to Delta SkyMiles with limited transfer flexibility

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

Delta SkyMiles Reserve American Express Card vs United Club Infinite Card

Delta SkyMiles Reserve American Express Card

United Club Infinite Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Delta SkyMiles Reserve American Express Card vs United Club Infinite Card

Delta SkyMiles Reserve American Express Card

United Club Infinite Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Delta SkyMiles Reserve American Express Card vs United Club Infinite Card

Delta SkyMiles Reserve American Express Card

United Club Infinite Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Is the Fee Difference Worth It?

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Is the Fee Difference Worth It?

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Is the Fee Difference Worth It?

Which Card Is Right for You?